Thomas Smith

Thomas Smith

Fractional Chief Revenue Officer
Follow Thomas 
Thomas Smith

Thomas Smith

Fractional Chief Revenue Officer
Follow Thomas 
Thomas Smith

Thomas Smith

Fractional Chief Revenue Officer
Follow Thomas 

Marketing Leadership Positions

  • COO, Giift loyalty programmes: achieving a three year target of Gross Merchant Value (GMV) of $50 billion within one year.
  • General Manager, Aptus Broadband: expanding and developing the growth of the customer base and revenue streams.
  • Interim Head of Retail Transformation, KIB: establishing the Retail Transformation Unit and initiating delivery of KIB’s new Retail Banking value proposition in Kuwait.
  • Head of Personal Lending Task Force, AIB Personal Banking Ireland: establishing and chairing a cross-functional task force appointed to address and create a strategic focus on shortfall existing in AIB’s Personal lending EU viability plan and overseeing the successful migration of new business to digital channels.
  • EVP – Group Head of Retail Banking, United Arab Bank: a commercial bank, which forms part of a 4 bank alliance stretching across the Middle East.
  • Group Head of Retail banking, Ahli United Bank: AUB is a regional Bank with a footprint throughout the GCC located in Bahrain, Kuwait, Qatar, Oman Egypt, UK, Iran and Iraq.

Latest Gigs

  • Executive Director at NYRA FZ LLC
  • COO at Giift
  • GM at Aptus Broadband
  • Interim Head of Retail Transformation at KIB
  • Head of Personal Lending Task Force at AIB
  • EVP – Group Head of Retail Banking at United Arab Bank

                   

 

Pro Bono Work

  • Gaelic Athletic Association (GAA) coach and mentor to under age football teams

How Thomas Can Grow Your Business

With nearly 30 years’ experience in retail banking and 20 years at their helm, including time developing his career in the GCC (Gulf Cooperation Council), Tom has an impressive background at the upper echelons of financial services.

His track record in consistent bottom line growth delivery spans global and multicultural contexts with numerous organisations across Europe and the Middle East, and across multiple regulatory jurisdictions. For example, he took the United Arab Bank from a 51st ranking on balance sheet size, to 14th in five years. When he left in 2014, retail accounted for 30% of UAB’s balance sheet; it was less than 10% in 2009. Meanwhile, at Allied Irish Banks (AIB), he led the transformation of their personal lending proposition, and over 18 months increased their lending from €5 million per week to €14 million per week with any dilution in margins or asset quality.

Having experienced the seismic change in the financial sector from bricks and mortar to clicks and mortar, he understands the practical roadmaps needed to apply strategic thinking. Central to that understanding is a talent for uniting and inspiring large teams to work towards common goals, knowing that the key to a successful growth or change strategy is the belief and willingness of the team.

Furthermore, Tom’s personal experience in having to up skill and evolve with a changing industry makes him a sympathetic and valuable support for business leaders looking to keep their own skills and understanding of their industry relevant. Appreciating how that can be daunting, his own experiences means he is able to offer discreet and empathetic industry specific support to business leaders, to in turn add value to their own careers as well as tie in with strategic values that benefits the wider team and organisation.

Latest Gigs

  • Executive Director at NYRA FZ LLC
  • COO at Giift
  • GM at Aptus Broadband
  • Interim Head of Retail Transformation at KIB
  • Head of Personal Lending Task Force at AIB
  • EVP – Group Head of Retail Banking at United Arab Bank

                   

 

Pro Bono Work

  • Gaelic Athletic Association (GAA) coach and mentor to under age football teams

Education

  • Dublin City University, BBC Honours, Human Resources
  • Qualified Financial Adviser (QFA)
  • Qualification in Visual Transformation
  • Certificate in Data Protection from UCD
  • Certified Diploma in Accounting and Finance from the Association of Chartered Certified Accountants

Peer Recognition

  • Taking United Arab Bank from a 51st ranking to 14th
  • Best UAE Bank award from the Financial Times Banker Magazine in 2012
  • Best Retail Bank in the Middle East award from Banker magazine in 2013

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